Rating based on 44 reviews

Finance Now

Updated
  • Personal loans up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 5 years

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Finance Now homepage
Author Finance Now. Screenshot of Finance Now website.
[Accessed September 2, 2021]

About Finance Now

Since its establishment in 2000, Finance Now has developed a reputation for its fast and simple financial products and services.

They offer both secured and unsecured personal loans, car finance, retail, and business loans. Their consultants always take into account the particular situation and needs of their customers. This customized approach is among the main reasons why they have served over 320,000 customers to date.

Personalized loan services for clients

Their expert team provides complete assistance to customers, attending to their every need with expertise, professionalism, and a personal touch. Finance Now bases lending decisions on personal loans on the core principles and regulations of responsible lending in NZ. They provide clients with affordable, low-rate loan options that fit their circumstances to ensure they don't get into debt.

A proud NZ personal loan provider

Finance Now is a subsidiary of SBS Bank, a registered NZ bank since 2008, with assets worth more than $2.8 billion. The finance team can provide competitive deals using a simple and more straightforward loan process compared to most commercial banks. Clients can now get an approved loan from a trusted provider within minutes of applying instead of waiting days for approval.

Finance Now Services

Anyone in need of a loan to cover bulls such as home renovations, car repairs, or even a family holiday will benefit significantly from Finance Now personal loan.

Finance now has a high approval rate on their loans, as they have offers that fit clients' needs. Whether they need a short or long, secured or unsecured loan - Finance Now has a solution.

Competitive rates on personal loans

Their personal online loans come with competitive interest rates, which is one of the reasons that they have been continually growing as a company. Clients can choose a loan from $1,000 to $20,000 depending on their individual needs. Due to their low rates, Finance Now personal loans can double as car finance as well.

Loan terms explained

Applicants have the option to apply for a loan that ranges from six months to five years. They can also choose to make repayments on a weekly or monthly basis, depending on their budget.

Finance Now discloses all loan details before allowing clients to sign the agreement. Their consultants are available to answer any questions about the loan term and repayments and help clients who have special requests.

Finance Now – Personal loan

  • Loan Type Personal loans
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Finance Now

  • Competitive interest rates
  • Flexible repayment terms
  • Secured and unsecured loans

Personal loan calculator

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The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Finance Now – You can achieve your financial goals, quickly

Their consultants have years of experience in loan provision and expert administrative capabilities - which forms part of the reason why Finance Now is a leading financial services provider.

They offer quick, flexible online loans in NZ through a short application process that takes minutes to complete. Applying online is straightforward and quick - clients can have the cash in their banking account within 24 hours of receiving approval.

Secured and unsecured loan options

A secured loan is where the borrower provides an asset as collateral ( usually a vehicle or property) as a means to secure their loan. By providing collateral, clients are allowed to borrow a more significant amount and get charged a reduced interest rate.

With an unsecured loan, clients don't provide collateral to secure the loan. It is easier to get if clients don't have appropriate assets to offer and only need a small amount. The interest on unsecured loans is higher than secured loans due to the shorter term.

Finance Now personal loan calculator 

Finance Now provides clients with flexible loan amounts and terms, so they can access a solution that fits their needs. Clients can use their online personal loan calculator to work out their affordability and options to get a glimpse of what they have to offer. The calculator displays the monthly loan repayment, total repayment, and interest charged.

Finance Now personal loan requirements

To apply, clients need to be at least 18 years of age and an NZ citizen. They need to provide proof of income to show that they can afford the loan repayments.

FInance Now does require a credit check, but clients need to link their financial statements to their application, whereafter they can fast track their credit to get faster loan approval.

Get pre-approved within 60 seconds

Clients can now know where they stand before formally applying by getting a pre-approved loan with a turnaround time of just 60 seconds. As soon as they sign their agreement, they receive their loan payout within just hours.

Now, this is quick cash

Those who have any inquiries regarding their loan offers, terms, or instalment structures can contact Finance Now for assistance from an experienced consultant. Those ready to apply for a personal loan can continue to fill in the application form by following the simple steps.

Customer Reviews & Testimonials

Finance Now has been a breeze to deal with. Their loans are simple and straightforward, no beating around the bush.

Tatum R.
— Lower Hutt —

I was able to extend my repayment term without paying massive penalties.

Mariel L.
— Whakatane —

Good service, simple loan agreement, and affordable rates and terms.

Geraldine H.
— Gisborne —

Finance Now Contact

Physical Address


Postal Address

  • PO Box 1204, Invercargill, 9840, New Zealand

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed